First Bank of Coastal Georgia
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Data as of · sourced from FFIEC call reports. How we update
First Bank of Coastal Georgia is an FDIC-insured commercial bank headquartered in Pembroke, GA, established in 1907 (FDIC certificate 15580), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $215.7M, down 4.4% from Q2 2025, the 85th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 18.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15580
- Headquarters
- Pembroke, GA
- Established
- 1907
- Total assets, Q2 2026
- $215.7M
- Assets vs Q2 2025
- -4.4%
- CET1 ratio, Q2 2026
- 18.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 061206843
- Latest call report
- Q2 2026, FFIEC 051 · First Bank of Coastal Georgia call report
- Holding company
- PUTNAM-GREENE FINANCIAL CORPORATION
- Asset rank in state
- 85th of 121 in Georgia
Problem loans are rising at First Bank of Coastal Georgia. Based in Pembroke, Georgia, it had $216 million in assets at June 30, 2026, down 4.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.35% of loans from 0.02% a year earlier. It earns about $0.27 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $150,000, 79% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 52% of Tier 1 capital, down from 77% a year earlier. Its margin is thin by comparison: it keeps 2.70 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, First Bank of Coastal Georgia reported a CET1 capital ratio of 18.69%, a return on assets of 0.27%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 1.91%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, First Bank of Coastal Georgia is the 85th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $215.7M, loans rose 8.3% and deposits rose 8.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 52.8% of total loans, followed by construction and land development loans at 19.3%. Its 2 offices in the FDIC Summary of Deposits are in Pembroke, GA and Richmond Hill, GA; its Pembroke office books 82% of its branch deposits. On its Q2 2026 call report, First Bank of Coastal Georgia meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 250 W Bacon St, Pembroke, GA 31321
- County
- Bryan
- Metro Area
- Savannah, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Former names
- The Pembroke State Bank (1972-1994)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $189.7M
- Allowance for credit losses
- $905K
- Net charge-offs (YTD)
- $22K
- Average total assets
- $221.2M
- Average total loans
- $70.3M
- Average interest-bearing deposits
- $143.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 10, 1938
- FDIC Cert
- 15580
- Fed RSSD
- 823638
- Website
- www.firstbankofcg.com →
- Parent Holding Company
- PUTNAM-GREENE FINANCIAL CORPORATION (RSSD 1246252)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Bank of Coastal Georgia's total assets moved between a low of $179.1M (Q3 2023) and a high of $230.8M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$215.7M total assets against $225.5M; $203.5M total liabilities against $217.3M.
$70.7M net loans and leases against $63.1M; $189.7M total deposits against $216.0M.
$128.2M securities against $149.7M; $10.4M cash and balances due against $5.8M.
$2.4M total interest income against $2.5M; $1.0M total interest expense against $1.5M.
$1.4M net interest income against $1.0M.
$74K total noninterest income against $59K; $1.4M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$150K net income against $84K.
0.27% return on assets against 0.14%; 2.70% net interest margin against 1.86%.
18.69% CET1 capital ratio against 18.05%; 9.07% tier 1 leverage ratio against 8.05%.
Inside the full First Bank of Coastal Georgia terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Bank of Coastal Georgia rankings
Its closest position to the top of a national ranking is 415 of 2,134, for CET1 ratio; its furthest is 3,473 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q2 2025) to 0.60% (Q4 2025) and its net interest margin ran from 1.86% (Q2 2025) to 2.70% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.69% | 0.27% | 0.35% | 1.91% | 2.70% |
| Q1 2026 | 19.68% | 0.18% | 0.09% | 0.42% | 2.63% |
| Q4 2025 | 19.10% | 0.60% | 0.04% | 0.18% | 2.41% |
| Q3 2025 | 18.47% | 0.24% | 0.02% | 0.09% | 2.27% |
| Q2 2025 | 18.05% | 0.14% | 0.02% | 0.11% | 1.86% |
| Q1 2025 | 17.61% | 0.25% | 0.20% | 1.30% | 2.10% |
| Q4 2024 | 21.20% | 0.26% | 0.01% | 0.04% | 2.01% |
| Q3 2024 | 20.82% | 0.52% | 0.00% | 0.02% | 2.43% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bank of Coastal Georgia (main office) | Pembroke , GA | 31321 | $155.9M |
| Richmond Hill Branch | Richmond Hill , GA | 31324 | $33.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve). These actions name the parent holding company, PUTNAM-GREENE FINANCIAL CORPORATION, not the bank itself
- April 16, 2004, Federal Reserve: Written Agreement: Putnam-Greene Financial Corporation, Eatonton, GA and The Citizens Bank of Cochran, Cochran, GA
- November 12, 1997, Federal Reserve: Cease and Desist Order: Putnam-Greene Financial Corporation, Eatonton, GA
- Period: Most recent institution action April 16, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 115 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Bank of Coastal Georgia
What are First Bank of Coastal Georgia's total assets?
As of the Q2 2026 filing, First Bank of Coastal Georgia reported total assets of $215.7 million in its FFIEC call report.
Where is First Bank of Coastal Georgia headquartered?
It is headquartered in Pembroke, GA, United States.
When was First Bank of Coastal Georgia founded?
It was established in 1907, per the FDIC institution directory.
Is First Bank of Coastal Georgia FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15580). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bank of Coastal Georgia?
First Bank of Coastal Georgia's primary federal regulator is the FDIC.
What is First Bank of Coastal Georgia's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bank of Coastal Georgia operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bank of Coastal Georgia's Texas Ratio?
Its Texas Ratio is 1.91% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Bank of Coastal Georgia previously called?
The charter now named First Bank of Coastal Georgia has also operated as The Pembroke State Bank (1972-1994), per FDIC structure-change records.
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